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Send money without limits.

Pay with the speed you need, without the fees you don’t.

Download Krak
Download Krak
Krak card Apple pay

Free your money from borders and bank delays.

Money doesn’t wait and neither should you.

Split bills with friends

Gift a friend. Send cash or crypto. Add a message, drop an emoji, and make it yours.

Commision free
Free global transfers

Send money worldwide to 160+ countries, across 400+ currencies for free.¹

Commision free
Payments as easy as a message. As fast as a tap.

Choose an amount and share a link, that’s it. Paylinks work like magic.

Commision free

Simply say “Krak me.”

Send and get paid using your personal Kraktag — no numbers or routing codes needed.

Krak user
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elena

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elena

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michelle

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michelle

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nicolas

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nicolas

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sam

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sam

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tania

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tania

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zoe

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zoe

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grace

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grace

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emily

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emily

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isabel

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isabel

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nathan

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nathan

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elena

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elena

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michelle

Krak user
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michelle

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nicolas

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nicolas

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sam

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sam

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tania

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tania

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zoe

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zoe

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grace

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grace

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emily

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emily

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isabel

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isabel

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nathan

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nathan

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marcus

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marcus

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gwen

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gwen

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daniel

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daniel

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vanessa

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vanessa

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clara

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clara

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pedro

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pedro

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victoria

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victoria

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emil

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emil

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thomas

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thomas

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marcus

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marcus

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gwen

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gwen

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daniel

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daniel

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vanessa

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vanessa

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clara

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clara

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pedro

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pedro

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victoria

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victoria

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emil

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emil

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thomas

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thomas

Turn payments into paydays, for you and a friend.

KrakBacks reward your first send of the day, every day, with surprise crypto.
It could be a memecoin, a major token… or even a full BTC!

Geo restrictions and terms apply.

FAQs

Yes, you can send your friends a payment link via text, email, or DM. They'll just need to create a Krak account to claim the funds.

Yes, there are certain sending and receiving limits depending on your verification level. You can find exact limits in the app settings under your profile.

Yes, Krak lets you request money easily by using Payment Requests, your Kraktag, or sharable paylinks.

Once a payment is sent, it can’t be reversed due to the instant nature of transfers. Always double-check before confirming a transaction.

¹ A variable spread will apply when spending across assets. Third party fees may apply.

Geographic restrictions apply. Instant buy/sell fees apply when you convert one asset or currency to another before making a transfer. Please see our fee schedule for more information. Applicable fees will always be shown before you make a transfer.

Payward Services Limited (PSL) is authorised by the Financial Conduct Authority to carry on electronic money activities and related payment services under the Electronic Money Regulations 2011 (FRN: 1010381). Payward Ireland Limited (PIL), trading as Kraken, is regulated as an E-Money Institution by the Central Bank of Ireland. PSL and PIL are obliged to protect your money through a process known as safeguarding. Each entity does this by placing it into a separate, dedicated client money bank account. Please note that the e-money in your account is not covered by the Financial Services Compensation Scheme (FSCS) or similar schemes.

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